Język Polski
English
Analiza porównawcza systemów gwarancji depozytów w krajach Unii Europejskiej
Jakub Kerlin
Abstrakt
The process of creation of the key European Union regulations on deposit insurance has had several steps. One of them was the process of deposit coverage harmonization. However, at the same time, related elements of the schemes such as methods and options for funding, remained unchanged. The unprecedented increase of guarantee coverage in response to the financial crisis was aimed at strengthening the protection of depositors, increasing confidence and limiting the possibility of bank runs. However the unification of coverage levels in European countries has not been accompanied by the introduction of systemic changes influencing the actual ability of the scheme to meet its commitments. Because of the lack of coordination, deposit guarantee schemes are currently considered as the most heterogeneous element of the financial safety net in the European Union. Schemes require systemic changes not only in the area of deposit coverage but also in areas where consensus is more difficult to achieve, such as funding. The nominal increase of coverage levels needs to be accompanied by the respective financial capability of the systems to be an effective tool, able to reimburse covered deposits.
Słowa kluczowe:
systemy gwarantowania depozytów, pokrycie depozytów, finansowanie systemów gwarantowania depozytówInne teksty tego samego autora
- Romuald Szymczak, Oktawiusz Szubart, Jakub Kerlin, Informacja na temat zasad gwarantowania depozytów w systemie argentyńskim , Bezpieczny Bank: Tom 51/52 Nr 2/3 (2013): Bezpieczny Bank
- Jerzy Pruski, Jakub Kerlin, Characteristics of Deposit Insurance Research and the Challenges Ahead , Bezpieczny Bank: Tom 59 Nr 2 (2015)
- Romuald Szymczak, Jakub Kerlin, Informacja dotycząca zasad gwarantowania depozytów w systemie hiszpańskim , Bezpieczny Bank: Tom 54 Nr 1 (2014): Bezpieczny Bank
- Jakub Kerlin, Informacja dotycząca zasad gwarantowania depozytów w systemie brazylijskim , Bezpieczny Bank: Tom 56 Nr 3 (2014): Bezpieczny Bank
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